For the year 2026, the FHA loan limit in the county of Burke, located in Morganton, NC, is as follows: $472,030 for a single-family like home, $604,400 for units with 2 homes, $730,525 for those with 3 units, and $907,900 for properties with 4 units.
The top permitted amount for conventional loans used on a single-family residence stands at $726,200. For homes with 2 units, the limit becomes $929,850; it's $1,123,900 for 3-unit homes, and $1,396,800 for those with 4 units.
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The Loan Limits Comparison Table for 2026 in the county of Burke, Morganton, NC, acts as a reference for gauging maximum loan limits among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To compare qualification requirements like income, reserves, and credit scores, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™)
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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